Citi is notorious for having some of the worst tech in banking. It's bad by even banking standards. Anecdotally, I opened up a consumer Citi checking account.

Citi is notorious for having some of the worst tech in banking. It's bad by even banking standards. Anecdotally, I opened up a consumer Citi checking account. The account has two distinct web UIs for transferring money via ACH. One looked modern but outright didn't work (as I recall, I couldn't get any of the dropdowns to populate with my account info so I couldn't use any of the web forms). The other was clearly ripped straight out of the late 90s/early 00s, but it did indeed work. The new version was the easily findable version, the older version could be hunted down with enough effort. Additionally, it was actually impossible for me to find my routing number initially. I had to actually start a live chat with a customer service representative to get it.